RoomPlace financing plans range from 6 to 48 months. There are no interest charges if the balance is paid in full within the designated time frame. Some financing plans require no down payment; others have minimum required down payments.

Applying for a RoomPlace credit card can be completed online or in a physical store. Credit card applicants must be at least 18 years of age. Each individual must possess a valid government-issued photo ID and a U.S. Social Security Number.